{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-105107","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2025-08-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.893209+00:00","generated_at":"2026-05-17T17:18:03.535060+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"HCI Group Q2 pre-tax income $94.4M; diluted EPS $5.18; book value $58.55","bullets":["Net income after noncontrolling interests was $66.2M, up from $54.1M in Q2 2024; diluted EPS $5.18 vs $4.24.","Consolidated gross premiums earned rose 14.8% to $302.6M; gross loss ratio improved to 21.3% from 29.7%.","Book value per share increased to $58.55; management highlighted plans to spin off Exzeo as a public entity.","Six-month diluted EPS of $10.57 vs $8.04; net income after noncontrolling interests of $135.8M vs $101.7M.","Losses decreased to $64.5M from $78.3M on lower claims and litigation frequency despite premium growth."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-105107","json":"https://secwatch.observer/filing/0000950170-25-105107.json","markdown":"https://secwatch.observer/filing/0000950170-25-105107.md","text":"https://secwatch.observer/filing/0000950170-25-105107.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025105107/0000950170-25-105107-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025105107/hci-20250807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T17:18:03.535060+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}